Extended Warranty Merchant Accounts

Warranty and service-contract sellers combine telemarketing, long terms, and cancellation refunds, and many mainstream processors prohibit insurance and telemarketing. Roots places compliant providers, for virtually any legal business, subject to underwriting.
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Payment solutions for warranties & protection plans

How these solutions work for warranties & protection plans

See what each option adds to the way your business takes and tracks payments.

High-Risk Merchant Account

For warranties & protection plans: Present your model for protection-plan charges and warranty services to specialist processing partners, with product and fulfillment documentation prepared.
  • Pre-underwriting review of your website, checkout, and documents (administrator and obligor agreements, state registrations, scripts, and cancellation refunds)
  • Application packaged and submitted only to acquirers with appetite for your category
  • Plain-English walkthrough of pricing, reserve, and termination terms before you sign
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Recurring Billing

For warranties & protection plans: Schedule and manage payments for plan renewals and recurring protection charges, including renewals and customer account balances.
  • Review of offer terms and checkout disclosures against ROSCA and state automatic-renewal laws
  • Billing platform setup and gateway integration
  • Descriptor and receipt design that customers recognize
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ACH Payments

For warranties & protection plans: Offer bank-account payments for protection-plan charges and warranty services, with authorization and invoice matching built into the workflow.
  • ACH underwriting alongside your card account
  • Authorization language and receipt templates
  • Integration into invoices, checkout, or your CRM
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Transfer initiated

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Chargeback Management

For warranties & protection plans: Organize evidence for disputed protection-plan charges and warranty services, including customer authorizations, delivery details and service records.
  • Discuss your business goals on a free consultation
  • Coordinate your provider introduction and setup
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Text to Pay

For warranties & protection plans: Send a payment request for protection-plan charges and warranty services by text so customers can pay against a specific order or invoice.
  • SMS opt-in and TCPA-aware messaging setup
  • Template copy for links and receipts
  • Integration with your CRM or case system
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Payouts

For warranties & protection plans: Distribute amounts owed to authorized repair providers and service contractors, with payment references matched to coverage references, renewal dates and claim records.
  • Set up payee onboarding
  • Connect payouts to job completion or approvals
  • Reconciliation reporting
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Warranties & Protection Plans we set up and support

Warranties & Protection Plans payment questions

Start with the workflows your business needs. Options on this page include Auto Warranty Merchant Account, Auto Warranty Recurring Billing, Auto Warranty ACH & eCheck Payments. Roots helps compare the setup, software and processing requirements around how you operate.
Yes. Bring your current POS, checkout or billing tools and recent processing statements. We review your product catalog, checkout, account history and processing application, then plan the changes your warranties & protection plans business needs.
Request a quote for your business. The review covers your payment mix, locations, software, hardware recommendations and implementation work. Consultations and payment reviews are free.
Bring recent payment statements, the systems you use and a record of how a customer places an order, receives a service or pays a bill. Tell us which warranties & protection plans workflows need to improve so we can scope a practical setup.

Payments for warranties & protection plans, set up right

Talk to our sales team about your setup, or become a partner and bring us your merchants.
Talk to a protection plan provider payments specialistPartner with Roots